Find Low-Cost Pinellas Park Auto Insurance

Searching for cheap Pinellas Park auto insurance on the internet can seem to be rather challenging for consumers new to comparing rates online. Because there are so many choices, how can consumers even start to compare the different rates to find the best available price?

This article will teach you how to effectively get price quotes and some tips to save money. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. Nevertheless, Florida vehicle owners do need to know the way companies market on the web and apply this information to your search.

How much can you save with discounts?

Insurance can cost an arm and a leg, but discounts can save money and there are some available that can drop the cost substantially. Certain discounts will be applied at quote time, but a few need to be specially asked for in order for you to get them.

  • More Vehicles More Savings - Buying insurance for multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • New Vehicle Savings - Putting insurance coverage on a new car is cheaper since new cars are generally safer.
  • Government Employees - Active or retired federal employment can save as much as 8% depending on your company.
  • Passive Restraint Discount - Vehicles equipped with air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Claim Free - Drivers who don't have accidents can save substantially when compared with drivers who are more careless.
  • Clubs and Organizations - Affiliation with a professional or civic organization could qualify you for a break when buying auto insurance.
  • Lower Rates for Military - Having a deployed family member can result in better rates.

It's important to understand that most credits do not apply to your bottom line cost. Most only apply to individual premiums such as physical damage coverage or medical payments. So when it seems like you can get free auto insurance, it doesn't quite work that way. Any qualifying discounts will help reduce the amount you have to pay.

How much car insurance do I need?

When it comes to buying the right insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone's situation is a little different.

For example, these questions can help discover if your insurance needs might need an agent's assistance.

  • Am I covered when driving on a suspended license?
  • Can I still get insurance after a DUI?
  • Am I covered if I drive in a foreign country?
  • Should I drop comprehensive coverage on older vehicles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I getting all the discounts available?
  • Am I covered when pulling a rental trailer?

If you don't know the answers to these questions then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form.

Save 15 percent in 15 minutes? Is it for real?

Allstate, GEICO and Progressive regularly use television and radio advertisements. All the companies say the same thing of big savings if you move your coverage to them. But how can every company say the same thing?

All companies have a preferred profile for the type of customer that earns them a profit. For example, a profitable customer might be profiled as between the ages of 30 and 50, has no prior claims, and chooses high deductibles. A propective insured who fits that profile is entitled to the best price and is almost guaranteed to save a lot of money.

Potential insureds who don't meet this ideal profile must pay more money which usually ends up with business not being written. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much money. This is how insurance companies can confidently state the savings.

This illustrates why you should quote coverage with many companies. It's not possible to predict which insurance companies will give you the biggest savings.

Additional auto insurance information can be found on the Florida Office of Insurance Regulation website located here. Florida drivers can report car insurance fraud, file complaints about an insurance agent or broker, and download brochures.

Also read more on this page for Florida auto insurance and this page for help finding agents in Pinellas Park, FL.

Florida auto insurance quotes

Affordable insurance is out there

Low-cost auto insurance is definitely available on the web as well as from independent agents in Pinellas Park, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies don't offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

When buying insurance coverage, don't be tempted to buy lower coverage limits just to save a few bucks. In too many instances, consumers will sacrifice physical damage coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to buy enough coverage at a price you can afford while not skimping on critical coverages.

Consumers who switch companies do it for a number of reasons such as lack of trust in their agent, delays in paying claims, extreme rates for teen drivers and even poor customer service. It doesn't matter what your reason, choosing a new insurance company is less work than it seems.